Ebe AS
Not financial advice. The index, rank, signals and advice are rule-based indications from the latest filed annual accounts. They are not a credit rating, an assessment of management or a recommendation to buy, sell or do business with the company. Read more
Score · fiscal year 2025
54of 100
How to read this: the company is ahead of 54 % of companies in the Morning class Micro in the same sector in 2025. What does this mean?
Rank in the Morning class Micro: 150 of 326 · What are Morning company classes?
Place in the whole sector: 280 of 664 · Finans og forsikring
Profile
Elephant · Steward
Lower profitability, high resilience
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 50 and resilience 53 out of 100 among companies in the Morning class Micro in the same sector in 2025. Methodology
Against the sector
Ebe AS is 3 points above the median for companies in the Morning class Micro in the same sector in 2025.
Median score 51 among 326 companies.
Against companies in the Morning class Micro in the same sector in 2025: operating margin 23.3% (median 60.6%) and equity ratio 86.7% (median 83.9%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 2 MNOK | 3 MNOK |
| Operating margin | 23.3% | 60.6% |
| Profit margin | 0.8% | 61.8% |
| Return on assets | 17.5% | 13.8% |
| Equity ratio | 86.7% | 83.9% |
| Debt-to-equity | 0.15 | 0.17 |
| Current ratio | 4.62 | 4.66 |
| Revenue growth | 1.7% | 9.5% |
The median and “ahead of” refer to companies in the Morning class Micro in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 54, Ebe AS does better than 54% of companies in the Morning class Micro in the same sector (326 companies) in 2025.
Score 2023–2025
- Ebe AS
- Median: companies in the Morning class Micro in the same sector
Ebe AS has a score of 54 for 2025, rank 280 of 664 in the sector.
Strongest: Growth: percentile 61 against peers, revenue growth 1.7% against a median of 9.5%.
No area is clearly below its peers.
Worth a closer look
- The change in operating margin in 2025 was 0.9 percentage points weaker than for comparable companies: the company +15.3, the industry +16.2 points. That is the company's own, not something that hit the whole industry.
Written by fixed rules from the figures. Describes the figures, does not explain causes. Not investment or financial advice. How the summary is made
The industry or the company: what drove the result?
In 2025 the operating margin of Ebe AS rose by 15.3 percentage points. Comparable companies rose by a median 16.2 points. So the company did 0.9 points weaker than the industry, for reasons of its own.
Over 2 year-to-year changes Ebe AS moved the same way as comparable companies 1 times. About 55% of the changes in operating margin were common to the industry; the rest was the company's own.
| Year | The company | Comparable (median) | Change, company | Change, industry | The company's own |
|---|---|---|---|---|---|
| 2024 | 8.0% | 44.4% | −8.8 percentage points | +22.7 percentage points | −31.5 percentage points |
| 2025 | 23.3% | 60.6% | +15.3 percentage points | +16.2 percentage points | −0.9 percentage points |
Comparable companies are those in the same industry and Morning company class. Their change shows what hit the whole industry, the sector drivers below included. The rest is the company's own: contracts, costs, one-off items or operations. The share is approximate, and we claim no cause.
The company and its sector's drivers
Prices, rate and currency that shape the sector's year, year by year beside the operating margin of Ebe AS. The figures stand side by side; we claim no cause.
Policy rate (prosent)
Policy rate fell 0.20 percentage points in 2025; the operating margin of Ebe AS rose 15.3 percentage points.
| Measure | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Policy rate, annual average | 0.08 | 1.32 | 3.54 | 4.50 | 4.30 | 4.17 (so far) |
| Change from the year before | −0.28 percentage points | +1.24 percentage points | +2.22 percentage points | +0.96 percentage points | −0.20 percentage points | −0.12 percentage points |
| The company's operating margin | – | – | 16.8% | 8.0% | 23.3% | – |
Source: Norges Bank (IR, NLOD 2.0). Source
Consumer price index (indeks (2025 = 100))
Consumer price index rose 3.0% in 2025; the operating margin of Ebe AS rose 15.3 percentage points.
| Measure | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Consumer price index, annual average | 84.3 | 89.2 | 94.1 | 97.0 | 100.0 | 102.9 (so far) |
| Change from the year before | +3.5% | +5.8% | +5.5% | +3.2% | +3.0% | +2.9% |
| The company's operating margin | – | – | 16.8% | 8.0% | 23.3% | – |
Source: SSB (14710, CC BY 4.0). Source
Wage index: financial services (indeks)
Wage index: financial services rose 4.6% in 2025; the operating margin of Ebe AS rose 15.3 percentage points.
| Measure | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Wage index: financial services, annual average | 87.1 | 90.4 | 94.2 | 98.9 | 103.5 | 107.3 (so far) |
| Change from the year before | +2.9% | +3.8% | +4.1% | +5.0% | +4.6% | +3.7% |
| The company's operating margin | – | – | 16.8% | 8.0% | 23.3% | – |
Source: SSB (12314, CC BY 4.0). Source
We show the drivers and the margin side by side and claim no cause. Sensitivity per company is not computed until we have at least 10 years of accounts per company: with three years such figures are false precision.
What the numbers say
Ebe AS had an operating margin of 23.3% and an equity ratio of 86.7% in 2025, and ranks 280 of 664 in Finans og forsikring.
From 2024 to 2025: the operating margin rose from 8.0% to 23.3%.
This text is generated automatically from the 2025 accounts.
Three simple methods
One method gives a figure: 4 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 12.3 | not meaningful |
| EV/EBIT | – | not used in the sector |
| P/B | 1.2 | 4 MNOK |
The listed basis is the value at listed multiples. The estimate is lowered for size: a small-company premium of 4% on the cost of equity gives a value 38% lower. No separate marketability discount is applied, because the premium already allows for the company being small and unlisted.
The NACE code has no listed industry of its own in the table, so the multiples are the sector median: Bank (Money Center), Banks (Regional), Insurance (General), Investments & Asset Management, Financial Svcs. (Non-bank & Insurance).
Not financial advice. The value range is a rough model estimate from listed-company multiples, not a valuation, a price target or a price offer. The actual value may differ greatly. Read more
A mechanical estimate from public accounts, not advice. A mechanical estimate from public accounts with listed multiples and fixed adjustments. Not a valuation and not advice to buy or sell. See the calculation
Worth a closer look
No rules were triggered for this year.
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 128.7% of the debt in 2025. The policy rate averaged 4.30 % the same year. This is a plain description of what the debt cost, not a model of interest sensitivity.
See interest rates, prices and exchange rates for the sector
Data quality
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2026, the sector's weakest year, for this company.
The sector's weakest year was 2026, with a median operating margin of −13.5%. Based on the 6 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 50 | weight 40% |
|---|---|---|
| Solidity | 52 | weight 20% |
| Liquidity | 50 | weight 5% |
| Growth | 61 | weight 25% |
| Consistency | 56 | weight 10% |
Three goals: profitability 40%, growth 25%, resilience 35%. Why these weights?
Durability: 51 (average over 3 years)
Index version 3. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is Ebe AS?
The operating margin was 23.3% in 2025, against a median of 60.6% among companies in the Morning class Micro in the same sector. Return on assets was 17.5%.
How solid is Ebe AS?
The equity ratio was 86.7% in 2025 (median 83.9%). Debt-to-equity was 0.15 (median 0.17).
What is the liquidity of Ebe AS like?
The current ratio was 4.62 in 2025 (median 4.66).
How does Ebe AS compare in Finans og forsikring?
Ebe AS ranks 280 of 664 in Finans og forsikring for 2025. Among companies in the Morning class Micro it is number 150 of 326. Revenue changed by 1.7% from the year before.
Competitors
The 8 closest competitors in the same line of business, placed in the same matrix as the sector page: profitability up, resilience to the right. These are the companies the competitor analysis and the strategy report compare with.
Each bubble is a company: this company and its closest competitors in the same line of business and size, the same ones the competitor analysis uses. Placement is 0–100 against the whole sector and Morning company class: further right is more robust, higher up is more profitable. Bubble size is revenue. The light bubble and arrow show where the company stood the year before. Pick a profile to see fewer at a time.
| Company | Profile | Operating revenue | Operating margin | Score |
|---|---|---|---|---|
| Erik Sandboe Holding AS |  Lion |
3 MNOK | 99.6% | 78 |
| Livi Invest AS | Lion |
3 MNOK | 93.4% | 65 |
| Hhh Ventures AS · same municipality | Lion |
3 MNOK | 82.0% | 68 |
| Risto 80 AS |  Elephant |
2 MNOK | 75.6% | 64 |
| Jebsen Ventures AS · same municipality | Lion |
2 MNOK | 61.3% | 65 |
| Uroa Ventures AS | Lion |
2 MNOK | 90.4% | 63 |
| Ebe AS (this company) | Elephant |
2 MNOK | 23.3% | 54 |
| Rauna Invest AS | Elephant |
2 MNOK | 81.5% | 42 |
| Ripsbusken AS · same municipality |  Beaver |
2 MNOK | 75.3% | 51 |
The selection is the closest in revenue within the same industry code. When you order, you can swap competitors. Order competitor analysis
From the Central Coordinating Register
- Org. no.
- 889170042
- Legal form
- AS
- Sector
- Finans og forsikring (64.323)
- Morning company class
- Micro
- Employees
- 0–4 (not registered)
- Founded
- 15 December 2005 20 years in operation
- Share capital
- 0.10 MNOK
- Business address
- Parkveien 77, 0254 OSLO
- Municipality
- Oslo rank 63–220 of 357 in Norway
- Audit
- Audit opted out from 8 December 2011
- Latest accounts filed
- 2025
- LEI
- 254900WBGUQVQ9E9J382 renews 26 May 2027
Source: Central Coordinating Register, Brønnøysund Register Centre. The employee count is reported by the company and may be older than the accounts. See the company at the Brønnøysund Register Centre
Ownership and roles
Loading roles …
Source: Central Coordinating Register, fetched 2 November 2026. Only names are shown.
- Parent company
- Parent does not consolidate the company
Source: GLEIF (Global Legal Entity Identifier Foundation), fetched 30 October 2026. The parent is the one the company itself reported to GLEIF.
Shareholders (2025)
- Number of shareholders
- 1 (one owner)
- Largest owner
- 100.0%
- Split
- companies 0% · private persons 100% · foreign 0%
- Owned from the same municipality
- 100%
- Group chain
- Ultimate owner: private person
Change 2007–2025: no material change in the owners.
Holds shares in: Limbra Holding AS (1%), Tigeni AS (1%), Kongsberg Automotive ASA (0%), Norwegian Air Shuttle ASA (0%)
Source: the Norwegian Tax Administration's shareholder register as of 2025. Figures may be older than today's ownership. Private persons are not shown by name.
Error in the data?
Do you see an error in the figures or in how the company is mapped (sector, holding, group)? Let us know. Corrections require documentation.
Is this your company? Suggest changes or add information
Figures last fetched 30 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 55 | 46 | 54 | |
| Rank | 244 | 352 | 280 | |
| Operating margin | 16.8% | 8.0% | 23.3% | |
| Return on assets | 22.4% | 12.5% | 17.5% | |
| Equity ratio | 77.4% | 86.3% | 86.7% | |
| Current ratio | 1.22 | 5.43 | 4.62 | |
| Revenue growth | – | 12.0% | 1.7% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 2.1 MNOK | 2.4 MNOK | 2.4 MNOK |
| Operating profit | 0.4 MNOK | 0.2 MNOK | 0.6 MNOK |
| Profit before tax | −2.4 MNOK | 0.6 MNOK | 0.0 MNOK |
| Tax expense | – | – | 0.1 MNOK |
| Net profit | −2.4 MNOK | 0.6 MNOK | −0.1 MNOK |
| Financial expenses | 4.0 MNOK | 0.3 MNOK | 1.0 MNOK |
| Total assets | 7.4 MNOK | 7.4 MNOK | 5.8 MNOK |
| Current assets | 2.1 MNOK | 5.5 MNOK | 3.6 MNOK |
| Equity | 5.8 MNOK | 6.4 MNOK | 5.0 MNOK |
| Retained earnings | 5.7 MNOK | 6.3 MNOK | 4.9 MNOK |
| Total liabilities | 1.7 MNOK | 1.0 MNOK | 0.8 MNOK |
| Current liabilities | 1.7 MNOK | 1.0 MNOK | 0.8 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 30 October 2026, accounts id 6579485.
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